The Identity Challenge in AI Agent Payments (with Harsh Mehta from Worldpay)

In this session, Harsh Mehta of Worldpay and Dock Labs unpack the identity and trust challenges behind AI agents and agentic payments: what is genuinely working today, what is still marketing, and what has to be solved before agents can transact autonomously.

(1:25) Meet the guest: Harsh Mehta on AI and agentic commerce at Worldpay

(5:47) Defining agentic commerce: reactive agents vs proactive agents

(8:08) The levels of autonomy and why the headlines run ahead of reality

(9:06) Human in the loop today: ACP, Google's protocol, and why browsers stop at checkout

(12:47) Are more agent transactions slipping through than we realize?

(13:18) Structured retail flows, embedded checkout, and why discovery is the long pole

(15:24) Why B2B and procurement may scale faster than consumer shopping

(16:50) The three hardest unsolved problems: data loss, identity, intent and liability

(19:20) How agentic commerce inverts twenty years of fraud detection

(20:54) False positives: when your fraud stack blocks your best new customers

(21:57) Dock Labs' model: tying agents to individuals through delegation and verifiable credentials

(25:44) Liability at agentic scale and who ends up holding the can

(27:56) Intent frameworks: Mastercard Verifiable Intent, Google AP2, and selective disclosure

(29:00) When bad product data is the real culprit

(32:27) Who owns the mandate verification layer: platforms, PSPs, or a neutral layer

(37:05) Commercial models: where value lands when an agent sits in the middle

(40:51) Closing takeaways: build the foundations now, do the unglamorous work

Website - https://www.dock.io/

LinkedIn - https://www.linkedin.com/company/docknetwork/